Any comment would be appreciated this is the question that's in my head every single day.

Based on your comments regarding the distance I would defiantly sell.

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I'll make a few comments.  1) Market - be in the strongest and most diversified markets (w/job and pop growth historically and future expected above natl averages).  

Granted I do not know Miami well and definitely have a lot to learn (moving there later this year) but I really don't understand what you're saying in regards to my comment.

I agree with the prior comments, the only real duplexes now in Northside, and that's an area that is seeing improvement, but is not a very desirable area at the moment IMO.  

Please comment below if you'd like to hear Garyvee on the BP podcast! 

Thanks Brad & Chris for your valuable comments. 

All comments would be great!

Id ask them to have a head underwriter review or have a different processor comment because although I'm not a residential lender I'd venture to guess that the actual guidelines state what is based on the credit report.it could however be an overlay that they are doing right now just being more conservative.